# Debt Payoff Box: Snowball Plan — user reviews

> 147 indexed App Store user reviews of Debt Payoff Box by Natalia Alekseenko, rated 4.50/5 from 2,418 ratings.

- Source: https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873/reviews
- App overview in markdown: https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873.md
- Rating breakdown: 5★ 1,952 · 4★ 162 · 3★ 74 · 2★ 52 · 1★ 178

## What do users think of Debt Payoff Box?

Overall sentiment: negative

**Pros**

- 👍 Simple and easy to use
- 🚀 Helpful for debt planning
- 🚀 Straightforward layout
- 🚀 Provides amortization schedules
- 🚀 Calculates snowball effect

**Cons**

- 🐛 Buggy and glitchy
- 💰 Requires paid upgrade for basic features
- 🔒 No cloud sync or backup
- 🔒 No passcode or security features
- 💡 Lacks flexibility for extra payments

**Commonly reported bugs**

- Unable to edit debt details
- Payoff dates and calculations are inaccurate
- App crashes when trying to add or update debts
- Free version limited to only 2 debts

**Most requested features**

- Add ability to record one-off extra payments
- Implement sorting by interest rate or balance
- Include escrow and mortgage details
- Provide payment history and tracking
- Add notifications and reminders

## Newest reviews (17 of 147)

### 3/5 — FIX BUGS

*2026-07-29, version 1.5*

Great app there’s just a few things that need to be fixed like payoff dates are not accurate to what’s initially put in on the listing.

### 3/5 — No password protection and no backup option

*2026-03-26, version 1.4.1*

App is very easy to use. Wish there is a way to protect your data and backup your data.  Wish I know before purchasing the app.

### 3/5 — Was good but got greedy

*2026-03-25, version 1.4.1*

Used to be a great app, now asks you for £10 to add more than 2 debts.. very interesting for a debt helping app

### 2/5 — Limited uploads

*2026-03-23, version 1.4.1*

It won’t let me upload more than 20 accounts.

### 3/5 — Needs one off overpayment

*2025-08-16, version 1.3.10*

This is a stress free app and I like it so far. Big downside is no one off payment feature which means the pro version isn’t quite worth the upgrade. Developers should sort asap

### 1/5 — Buggy app don’t purchase paid version

*2025-03-04, version 1.3.10*

I’ve paid £5 for the paid version of this app and gained nothing special. The app is incredibly buggy, not allowing me to edit or add any extra data unless I close and reopen the app.

### 2/5 — Nice start….

*2025-02-16, version 1.3.10*

The app has a straightforward layout, and it’s easy to enter info, although it does suffer from the “too clean” design ethos that makes a user wonder if they’ve actually found all of the app features. 

Improvements that are necessary for it to actually make sense for those with multiple credit cards:

1. Integrated payment list, sorted by date and grouped monthly. Seeing all of the payoff plans for each individual credit card is nice, but seeing all of the payments listed by date world actually reflect the plan a user needs to follow.

2. Show the interest rates in the credit card list. 

3. Sort cards by interest rate. 

4. App notifications that remind me what to pay, when, to follow the payoff plan I’ve chosen.

Looking forward to a more full-featured app that helps people remember and complete their plans.

### 1/5 — Stop

*2025-02-01, version 1.3.10*

Junk.  Worthless.  Don’t waste your time
!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!  !!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!

### 1/5 — Very limited

*2025-01-18, version 1.3.10*

Very limited for 5 dollars. No custom function and no summary view.

### 1/5 — Doesn’t work /bugs out

*2024-10-24, version 1.3.10*

Doesn’t work can’t even add 1 debt

### 1/5 — Editing

*2024-10-04, version 1.3.10*

Won’t let you edit timeline once you add a target date. The planning function isn’t very helpful

### 4/5 — Passcode please!

*2024-08-12, version 1.3.10*

I love this app, but it lacks a passcode feature, which is important in every app.

### 1/5 — Only 2 entries

*2024-08-03, version 1.3.10*

You can only put in 2 entries or you have to pay $7. Not worth it

### 1/5 — Doesn’t Work as Advertised

*2024-06-20, version 1.3.9*

Doesn’t work as advertised and no refunds.

### 4/5 — So Far, So Good

*2024-05-25, version 1.3.9*

The free version does only allow you to add 2 dents and it doesn’t allow you to see the Payoff Plan. You can click on each debt listed and it will show you amortization schedule of each debt.

The Pro Version honestly isn’t much more, other than you can add more than 2 debts, add extra payment and select Strategy (I.e. Highest Interest Rate & etc.)

I think if we were able to see the debt amortization schedule of ALL the debts in one spot vs having to click on each one individually and the option to download it would be make this app even more appealing.

### 1/5 — Don’t buy

*2024-05-02, version 1.3.9*

If I give you the debt I want but you don’t even know how much money I have to add to the debt how does that help then certain dates I can’t change for the pay off..

### 2/5 — Overpayment missing

*2024-01-29, version 1.3.9*

Can’t make an overpayment which defeats the object of this !

## Most critical reviews (10 lowest-rated)

### 1/5 — Be aware

*2026-05-13, version 1.5*

Only lets you add two debt for free before you need to pay for a subscription

### 1/5 — Not updating payoff dates

*2026-04-16, version 1.5*

It gives me the current day as payoff date, not the expected payoff date in the future.

### 1/5 — Not a helpful app

*2026-03-13, version 1.4.1*

I signed up for the $10 paid account thinking it would give me the option to actually track payments made and progress on debt. There is no option to track additional payments. Honestly seems like a pretty useless app. Huge waste of money

### 1/5 — Not intuitive

*2026-02-26, version 1.4.1*

I have a student loan that’s currently in forbearance, but this app does not consider these factors. My current monthly payments are zero until the forbearance is lifted. It does not allow me to set a zero dollar monthly payment and it does not let you customize the payment schedule and how much you’re contributing to it. My minimum monthly payment is not due until the future so it would be nice if the app could adjust for that at the starting date of when the monthly payments resume. Though it’s in forbearance my goal is still to pay it off before the forbearance lifts so I wanted to track the snowball payoff. This just a tracker, nothing more. All in all this app was not worth the $12.99 as it’s basically unusable for me.

### 1/5 — Waste of money

*2026-02-01, version 1.3.10*

I paid for the pro but have no idea what that bought me.

### 1/5 — Stupid

*2026-01-04, version 1.3.10*

It won’t let me select my correct next payment date.

### 1/5 — Glitch

*2025-08-27, version 1.3.10*

Unable to input all the information in the “add debt” without it clearing previous information

### 1/5 — Immediate purchase for more features

*2025-08-05, version 1.3.10*

Can only add 2 debts before a purchase upgrade is suggested. Listing all debts is such a basic feature. I understand if I’m paying for a special feature but that’s not special. Other free apps that will do this and more before an upgrade is needed.

### 1/5 — No free

*2025-06-26, version 1.3.10*

Even though the description says free there is a limit of 2 debts before needed to upgrade to the pro version…

### 1/5 — Not worth it

*2025-03-07, version 1.3.10*

Not a very user friendly or helpful app. Dont waste 8 bucks on it. Regret.

## Most praised reviews (10 highest-rated)

### 5/5 — Finally a decent debt calculator!

*2025-12-12, version 1.3.10*

I have been trying to find a decent debt calculator app that doesn’t make you sign up and put your email in and then takes you to the screen of a “3 month free trial” and then charges you from there… this is just instantly being able to be used. Simple as. Thank you!

### 5/5 — Great app!

*2024-08-17, version 1.3.10*

Hi, I recently downloaded this app to find an easier, stress free way of managing my debt. I’m glad I found it because now I don’t need to calculate the figures myself and it even gives me the option to choose the way I will pay my debt quicker, saving me money. I love the simple design, no distractions just the important details! I already feel more confident in dealing with my debt. The only feature that I am missing is an option to add a one off payment. Let’s see I have a bigger sum that I can pay in but I don’t seem to find the option for this. Unlike regular overpayments, which is by the way a great feature! Love seeing that a small monthly contribution means a lot in a long run in terms of interest and brings closer my debt free date! Well done! :)

### 5/5 — Great app

*2024-07-12, version 1.3.10*

This takes care of what I need to pay off first in a snowball effect by paying off the smaller bills and working up to the largest. I enter all my bills and how much extra I am going to pay. Set the bills by date and tells me how much to pay for each bill to pay them off. Great App!

### 5/5 — balance calculation issues and no app support

*2023-09-26, version 1.3.9*

They market this as FREE but it’s only free for 2 or less debts. Then you need to “upgrade to Pro” which includes everything advertised as free ( snowball method, payoff options, unlimited number of debts,etc.) Just be transparent about the pro version because it’s more cost efficient than other well known apps on the market. Pros: simple to use. Plug in the numbers and the app does the calculations to include a snowball method. A plus is not having to link accounts (for added security). Seeing the decreasing debt and nearing/hitting payoff dates is a feeling like no other. Cons: Can’t adjust balances if the debt amount increases/decreases. Ex. If you paid a little more or added a charge on a credit card. You can change the total amount but my experience has been it throws off the payoff calculation terribly, meaning the math wasn’t adding up correctly and there wouldn’t have been a way to fix it but to delete and readd which I didn’t want to do and lose the tracking on my progress. Some weeks later the app caught up and corrected the issue. But I’m hesitant to go through that again. Overall: This has been extremely helpful for me and how my brain works. Budgeting and paying debt is hard enough without having trackers being complicated. This gets to the point. Pay this amount on this date to achieve this result. The end! I started using the savings tracker and plan to try the bill tracker as well.

### 5/5 — G

*2023-06-10, version 1.3.9*

Ghhh

### 5/5 — Simple and effective

*2023-01-23, version 1.3.9*

I was going to consolidate my debt and pay a fee but this tool helps put my financial picture together.

### 5/5 — Excellent tool for planning

*2022-03-02, version 1.3.9*

I’m using this app. Is helping me to plan a payoff.

### 5/5 — Great app, but…

*2022-01-31, version 1.3.9*

Great functionality to visualize futures payments, but I would say that it’s missing one off payments such as gifts or tax returns. It needs an option where I can randomly throw in an extra payment one month and it recalculated the remaining time and balances. This would have to be done in the debt details page. Other that that it’s a great app.

### 5/5 — Terrible

*2021-12-26, version 1.3.9*

After buying the $5 version app only leads to more apps to buy. Wish I could get my money back.

### 5/5 — I can’t figure out how to fast forward

*2021-08-01*

I like the app but I can’t figure out how to fast forward to the current date or to indicate that I’ve made an extra payment to a particular debt.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*